AgriFinancial > Lease Financing

Lease Financing

When flexibility and deductions matter.


Choosing an AgriFinancial lease puts you in the driver’s seat — sometimes literally. From used equipment, grain bins and even on-farm buildings, AgriFinancial can help you invest in your operation, without stretching resources. Keep capital in the bank, maximize tax deductions and lease the asset that meets your operation’s needs.



Why might a lease work for you

  • Minimize capital outlay
  • Maximize or accelerate your tax deductions*
  • 100% Financing Available

Understanding Lease-Worthiness

  • Debt-to-asset ratio of 40% or less (Total Debts/Total Assets)
  • Acceptable Credit History

*Always consult a CPA or tax-specialist regarding tax deductions.

How a lease might work for you

  • Streamlined application only for new and used equipment up to $400,000; max terms of 7 years
  • Streamlined application only for buildings and grain bins up to $300,000; max terms of 10 years
  • Sale/Leaseback Options
  • Succession Planning
  • Pay the value rather than asset ownership cost
  • Lease for another period of time if applicable
  • Choose monthly, quarterly, semi-annual, annual, or harvest plan payments
  • Set residual value of 10, 20 or 30%
  • Have $1,000/year or more of verifiable farm income


The flexibility of leasing could be a great fit for your financial needs. Get the improvements you need with extra benefits along the way.


  • 100% Financing Available - Leasing allows you to add all soft costs of a purchase into the lease including freight, training, warranties, etc. Building leases include site preparation, electrical work, concrete, plumbing, etc.
  • Succession Planning – If you are planning retirement, an equipment lease can be used to reduce your income tax liability and then the residual (buyout) of the leased asset can be assigned to the next generation operator.
  • Sale/Leaseback - Any equipment you have purchased during the tax year can be sold to us and leased back to you, giving you all the benefits of leasing.
  • Residual Value - This is the expected value of the asset at the end of the lease term. It is typically expressed as a percent of the original lease price. For example, leases are commonly offered with 10%, 20% or 30% residual value. If your lease purchase is $100,000, and set up on a 3-year schedule with a 20% residual, that means you could then purchase the asset for $20,000.